BlastPoint's Banking Scorecard
Dakota Western Bank
Micro
Specialty: Agricultural
ND
FDIC cert 8637
Designations: ✓ Community bank
Bowman, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Dakota Western Bank shows strong momentum with 1 strength and 5.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.30% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$420.8M
+5.1% YoY
+6.1% QoQ
|
+$203.3M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Top 9% in tier |
| Total Loans ? |
$271.6M
+12.4% YoY
+1.2% QoQ
|
+$132.4M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$368.9M
+3.0% YoY
+7.7% QoQ
|
+$185.2M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.82%
+27.6% YoY
-5.9% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.68%
+15.7% YoY
+0.2% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
46.43%
-10.6% YoY
+0.2% QoQ
|
-21.30% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.41%
-37.6% YoY
-21.8% QoQ
|
-0.23% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
73.63%
+9.2% YoY
-6.0% QoQ
|
-0.90% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
22.10%
+41.1% YoY
+5.2% QoQ
|
-0.29% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.26%
-33.3% YoY
-25.4% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
14.91%
+0.4% YoY
+4.2% QoQ
|
+6.06% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.18%
+0.6% YoY
+28.3% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.43%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Efficiency Ratio
Current: 46.43% · Tier avg: 67.73%
93
93th pctile
Total Deposits
Current: $368.9M · Tier avg: $183.7M
91
91th pctile
Total Assets
Current: $420.8M · Tier avg: $217.5M
88
88th pctile
Total Loans
Current: $271.6M · Tier avg: $139.2M
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.91% · Tier avg: 8.85%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.10% · Tier avg: 22.39%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.63% · Tier avg: 74.53%
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
45
45th pctile
Loan-to-Deposit Ratio
Current: 73.63% · Tier avg: 74.53%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.10% · Tier avg: 22.39%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.91% · Tier avg: 8.85%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
88
88th pctile
Total Loans
Current: $271.6M · Tier avg: $139.2M
91
91th pctile
Total Assets
Current: $420.8M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $368.9M · Tier avg: $183.7M
94
94th pctile
Efficiency Ratio
Current: 46.43% · Tier avg: 67.73%